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Paying for childcare isn't cheap but for many families it's a necessity. If you need advice about the schemes which can help or the best way to employ a nanny, call 03700 100 444 on Wednesday from 1pm-3.30pm or e-mail moneybox@bbc.co.uk

A full-time nursery place for a child under two costs around 拢11,000 per year and it can cost 拢4,000 per year for two children to attend a before and after school club, according to the Daycare Trust's annual survey.

With childcare costs rising faster than income in many households, it could be worth signing up for childcare vouchers or direct payments through your employer.

Whether you are employed or self-employed you may be eligible for the childcare element of Working Tax Credit.

If you would rather employ a nanny you will also have to consider tax and national insurance plus holiday, sick or maternity pay.

To find out more why not talk to our panel. Presenter Ruth Alexander will be joined by:

Parveen Akhtar, Money Adviser, Money Advice Service
Helen Harvey, Payroll Services Director from Nannytax
Anand Shukla, Chief Executive, Daycare Trust/Family and Parenting Institute

Call 03700 100 444 from 1pm-3.30pm on Wednesday or e-mail moneybox@bbc.co.uk.